记者注意到，8月份以来，有多家商业银行公告，明确表示严禁信用卡资金用于炒股。 8月14日，渭滨农商银行发布公告称，信用卡资金不得用于投资理财领域，如购买股票、基金、期货 等。 8月7日，华夏银行发布公告表示，预借现金包括现金提取和现金转账，客户不得将预借现金资金用于任 何生产经营、投资等非消费活动领域（包括但不限于购买股票、有价证券、期货、理财产品等金融产 品，购房或进行房地产经营等）。 8月5日，民生银行信用卡中心公告，根据信用卡资金用途管理要求，于2025年9月18日起，将信用卡预 借现金转账业务纳入信用卡资金受控金额，对该受控金额进行资金用途管理。转入借记卡内的信用卡透 支资金，不得用于购房、投资、生产经营、归还贷款及信用卡、博彩及其他违规领域，否则可能导致交 易失败。 此外，陕西凤翔农商银行、陕西子长农商银行、云南河口农村商业银行等多家银行也于近日发布公告， 明确信用卡资金不得用于投资理财领域。 中国邮政储蓄银行研究员娄飞鹏表示，信用卡资金本身是用于个人消费，流入股市存在违规使用资金、 不符合监管要求的风险，同时，在股市投资存在风险的情况下，投资亏损也会增加持卡人的还款压力， 有可能让银行承担更大的不 ...

Core Viewpoint - Several commercial banks in China have announced strict prohibitions against using credit card funds for stock trading, highlighting regulatory compliance and risk management concerns [1][2]. Group 1: Regulatory Actions - Since August, multiple banks, including Weibi Rural Commercial Bank and Huaxia Bank, have issued announcements prohibiting the use of credit card funds for investment activities such as purchasing stocks, funds, and futures [3]. - Minsheng Bank has stated that from September 18, 2025, credit card cash advance transfers will be subject to controlled amounts, restricting their use for non-consumption activities [3]. Group 2: Risk Management Concerns - According to researcher Lou Feipeng from Postal Savings Bank of China, using credit card funds for stock market investments poses risks of regulatory non-compliance and increased repayment pressure on cardholders, potentially leading to higher non-performing asset pressures for banks [2]. - Lou Feipeng suggests that banks should establish a scientific and reasonable performance evaluation system for credit card business, emphasizing compliance and risk management indicators over other metrics [2].